IndiGo IDFC FIRST Credit Card: Rewards, Benefits, and Charges

Love to travel for business or leisure? Then, the IndiGo IDFC FIRST credit card is designed just for you. It lets you earn up to 22 IndiGo BluChips with every eligible spend. 

And that’s not all! You can also win a bonus of 25,000 BlueChips if your cumulative annual spending reaches ₹12,00,000. This card rewards your UPI transactions, utility, and insurance with 0.5 IndiGo BluChips and other spends with 3 IndiGo BluChips, leaving no transaction unrewarded! 

Curious to know more? Scroll down to explore!

What are the IndiGo IDFC FIRST Credit Card Benefits? 

The biggest benefit of the IndiGo IDFC FIRST credit card lies in its dual card proposition. When the global acceptance of Mastercard blends with the UPI power of a RuPay card, it empowers users with unmatched freedom and flexibility. 

The IndiGo IDFC FIRST credit card under Mastercard offers: 

• Complimentary 4 golf rounds and 12 golf lessons every year 
• Hassle-free PoS transaction across the world. 

On the other hand, the IndiGo IDFC FIRST credit card under Mastercard provides: 

• Easy scan and pay at 60 million+ merchants 
• Premium travel and dining benefits. 

You can enjoy other privileges and merchant discounts of both networks.  

Additional privileges include: 

• A low forex markup of 1.49%. 
• Trip cancellation cover of ₹25,000 on non-refundable hotels and flights.

What are the IndiGo IDFC FIRST Credit Card Annual Charges? 

The joining and annual fees of the IndiGo IDFC FIRST dual credit card are ₹4999 + GST.  Other charges include: 

Must reads

HDFC Tata Neu Plus Credit Card – Rewards, Features & Benefits

• 15 Dec 25
• 8 mins

How to Pay Credit Card Bill Without Interest in 2026

• 28 Jan 26
• 9 mins

What is the IndiGo IDFC FIRST Dual Credit Card Application Process?   

You can apply for the IndiGo IDFC FIRST Dual credit card through the IDFC First website or the IDFC First Card mobile app in 3 simple steps: 

1. Go to credit cards and choose the IndiGo IDFC FIRST Dual credit card.  
2. Verify your registered mobile number via OTP and upload the necessary documents, like PAN card and Aadhaar card. 
3. New credit card applicants have to create an FD and then proceed through the video KYC process. Existing credit card users can go ahead with the video KYC. 
4. Get instant approval after the virtual KYC process.  

Who Should Apply for the IndiGo IDFC FIRST Dual credit card?   

The IndiGo IDFC FIRST Dual credit card is ideal for those who are:  

• Loyal customers of IndiGo Airlines 
• Frequent international and domestic flyers 
• Cost-conscious travellers who value redeemable rewards. 
• New credit card applicants, as this card supports applications via FD worth ₹100,000.

How to Earn IndiGo BluChips on The IndiGo IDFC FIRST Dual Credit Card? 

The simplest way to earn IndiGo BluChips is to streamline all your spending to the IndiGo IDFC FIRST Dual credit card. On successful payment of the joining fee, you will receive 5,000 IndiGo BluChips and a complimentary IndiGo meal voucher.  

Here is how you can enjoy rewards and perks with the IndiGo IDFC FIRST Dual Credit Card:

• Skip the joining fee by applying for a secured credit card against an FD of ₹1,00,000 or more.
• Receive 3 months of Eazydiner Prime membership worth ₹1,095 after card setup.
• Get a Postcard Hotels voucher worth ₹3,000.
• Users who paid the joining fee are also eligible for these rewards. 
• Cardholders can also earn a voucher of 3000 IndiGo BluChips by spending at least ₹1,00,000 within the first 90 days of card issuance. 

Plus, you can literally earn IndiGo BluChips with every swipe. Here’s how it contributes to your reward pool: 

• 6 IndiGo BluChips per ₹100 spent on flight bookings via the IndiGo website or mobile app. 
• 0.5 IndiGo BluChips for every UPI transaction, rent, insurance, and wallet recharge of ₹100 
• 3 IndiGo BluChips per ₹100 spent on other categories, excluding cash withdrawals and EMI conversions.  
• Up to 16 additional IndiGo BluChips, depending on your IndiGo Loyalty Program tier. This means:
  • 8 IndiGo BluChips for every ₹100 spent as an IndiGo member  
  • 4 IndiGo BluChips for every ₹100 transaction as Channel Bonus 
  • Upto 4 IndiGo BluChips per ₹100 transaction as Tier bonus (4 for Blu 1, 2 for Blu 2). 

Must reads

Discover the Different Types of Payment Cards Available in 2025

• 11 Nov 25
• 7 mins

Experience the Top-Tier Lifestyle with the Axis Bank Reserve Credit Card

• 2 Jan 26
• 8 mins

IndiGo BluChips Milestone Rewards

You can win bonus IndiGo BluChips up to 25,000 as your cumulative annual spending hits a certain milestone. The following table shows the IndiGo BluChips milestone rewards: 

How to Redeem IndiGo BluChips Rewards?  

IndiGo BluChips are redeemable for any IndiGo 6E flight from over 2000 daily flights. Members can redeem points to book up to the last available seat without any hassle of blackout. Here is the redemption process: 

1. Sign in to the IndiGo BluChip loyalty program using your membership credentials. 
2. Select your payment method as ‘IndiGo BluChips’ 
3. Choose your flight, preferred cabin and add the passenger details from saved data. 
4. Confirm everything using OTP and redeem the applicable BluChips against your flight. 

Note: Users are not eligible to redeem the IndiGo BluChips for 6E Add-ons. Additional fees and taxes are calculated in INR and must be paid separately.

💡All set to apply for the IndiGo IDFC FIRST credit card? Then, ensure to install the Pice App to settle all your bills on time.

Conclusion

The IndiGo IDFC FIRST credit card is a powerful travel companion combining rewards, flexibility, and premium privileges. From accelerated IndiGo BluChips to dual-network convenience, it maximises every spend. Frequent flyers and new users alike can enjoy meaningful savings, seamless redemptions, and elevated travel experiences worldwide, all year round, with confidence.

FAQs